Short-Term Plans

Short-term health plans provide health insurance coverage that is designed to fill temporary gaps in coverage. Pursuant to federal regulations, short-term plans have a maximum duration of up to 12 months and may be renewed for up to 36 months. Short-term plans are exempt from the definition of individual health insurance coverage under the Affordable Care Act. Consequently, they may discriminate against people with pre-existing conditions and are not required to provide coverage for benefits such as maternity services, prescription medications, and mental health services, among others.

Some states have introduced legislation that would allow short-term plans to be offered more broadly while others have introduced legislation that would regulate these plans more strictly. Please click on the map below for information about legislation introduced this session.

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